Terms of Service

1. Who provides Kelo

Kelo is operated by a sole trader registered in England. Our business address is available on request. For anything relating to these terms, email [email protected]. By creating an account you agree to these terms.

2. What Kelo does

Kelo connects to your accounting software, reads what you are owed, and shows you a weekly figure together with a prioritised list of what to chase. It drafts messages for you to review.

What Kelo does not do:

It does not send anything to your customers. Every message requires your approval, and you send it yourself.
It does not change, create or delete anything in your accounting software. Access is read-only.
It does not collect, hold or process payments from your customers.
It is not a debt collection agency and does not act as your agent.
It does not provide legal, accounting or financial advice. Figures shown are for your own decision-making.

3. Your account

You must be acting in the course of business, not as a consumer, and be old enough to enter a contract. You are responsible for keeping access to your account secure and for anything done through it.

4. Accounting connections

Connecting Xero or QuickBooks grants Kelo read-only access through their official authorisation process. You can revoke that access at any time from inside Xero or QuickBooks without contacting us, and doing so stops Kelo reading your data immediately.

Kelo depends on those services. If they change their interfaces, restrict access, or are unavailable, parts of Kelo may stop working through no fault of either of us.

5. Messages you approve

Kelo drafts messages. You decide whether to send them, and you can edit any wording first. Once you approve and send a message it is your communication with your customer, and you are responsible for its content and for how it is received. We are not a party to your relationship with your customers.

6. Price, billing and cancellation

The Free tier costs nothing and requires no card. Recover is £99 per month, or £990 for a year. Paying for a year charges the full amount on the day you start.
We are not VAT registered, so no VAT is added to these prices.
Payments are taken by Stripe on the schedule you chose, monthly or annually. We do not store your card details.
Annual plans can be refunded in full within 14 days of the first payment, for any reason and without explanation. Email [email protected] inside that window. After 14 days an annual plan runs to the end of its year and is not refundable, so pay monthly if you are not yet sure Kelo works for you.
Cancel by emailing [email protected]. There is no notice period and no exit process. We will stop the next payment, and on an annual plan you keep access until the year you paid for ends.
We do not refund part-months on monthly plans, but if Kelo has not worked for you, say so and we will sort it out.
If we change our prices we will give you at least 30 days notice by email, and the new price applies from your next billing month or, on an annual plan, from your next renewal.

7. Availability

Kelo is early-stage software provided on a reasonable-efforts basis. We do not offer a guaranteed uptime level or a service credit scheme, and we would rather say that plainly than publish a promise we cannot yet stand behind. We will tell you if something has gone wrong that affects your data or your figures.

8. Acceptable use

You agree not to use Kelo to:

Send messages that are harassing, threatening or misleading.
Pursue debts you are not genuinely owed.
Process data belonging to someone else without a lawful basis.
Attempt to gain access to other customers' data, or to test our security without written permission.

We may suspend an account that is being used this way, and will tell you why.

9. Your data

How we handle personal data is set out in our Privacy Policy and, where we act as your processor, in our Data Processing Agreement. Your data belongs to you. You can request a copy or deletion at any time by emailing us.

10. Liability

Kelo helps you decide what to chase. The decisions, and the messages you send, are yours. We are not liable for money you do not recover, for a customer relationship that goes badly, or for decisions you take based on figures shown in the product.

Where we are liable, our total liability to you in any twelve-month period is limited to the amount you paid us in that period. Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law.

11. Ending the agreement

You can stop using Kelo at any time. We may end your access with 30 days notice, or immediately if these terms are breached. If we end it without cause, we will refund any period you have paid for and not used.

12. Changes to these terms

We may update these terms. If a change materially affects you we will email you before it takes effect, and the “last updated” date above will change. Continuing to use Kelo after that constitutes acceptance.

13. Governing law

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction.